T-Mobile MONEY puts you and your money first with no minimum balances, no account fees, no overdraft fees, and over 55,000 no-fee Allpoint® ATMs. Plus, when you set up direct deposit for your paycheck you can get paid up to 2 days early.⁺
Everyone earns 1.00% Annual Percentage Yield (APY)* on all checking and savings account balances. Plus, customers with qualifying T-Mobile service who register for perks and make at least 10 qualifying purchases per month with their T-Mobile MONEY card can earn 4.00% APY* on checking account balances up to $3,000 and 1.00% APY after that.
T-Mobile MONEY is powered by BMTX, accounts provided by Customers Bank, Member FDIC. All Rights Reserved.
ADDING MONEY IS EASY
You can easily transfer money to and from your external accounts. Direct deposit some or all of your paycheck – all with just a few taps in your T-Mobile MONEY app.
PAY THE WAY YOU WANT
Your checking account includes a debit card with EMV chip, plus it works with Google Pay and Samsung Pay.
STAY CONNECTED TO YOUR MONEY
Set up alerts to monitor your balance and spend activity with app push notifications, emails, or both. Get support 365 days/year from 8AM – 12AM ET.
SAFE & SECURE
Prevent unauthorized account access with multi-factor authentication and log in with Fingerprint Scanner. Enable or disable your debit card remotely if it’s lost or stolen. Accounts are FDIC-insured up to $250,000. Plus, with Zero Liability Protection from Mastercard® you’re protected when fraud occurs.
*How APY works: Checking account customers earn 4.00% annual percentage yield (APY) on balances up to and including $3,000 in your Checking account per month when: 1) you are enrolled in a qualifying T-Mobile postpaid wireless plan; 2) you have registered for perks with your T-Mobile ID; and 3) at least 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking account before the last business day of the month. Qualifying purchases posting on or after the last business day of the month count toward the next month’s qualifying purchases. The first time you fund your account, as an additional added value, you will receive 4.00% APY on balances up to and including $3,000 in the statement cycle in which you make your first deposit of greater than $1, as well as in the cycle that follows that deposit provided all other requirements are met. These added value benefits are subject to change. Balances above $3,000 in the Checking account earn 1.00% APY. The APY for this tier will range from 4.00% to 2.79% depending on the balance in the account (calculation based on a $5,000 average daily balance). Customers who do not qualify for the 4.00% APY will earn 1.00% APY on all Checking account balances for any month(s) in which they do not meet the requirements listed above. Savings account customers earn 1.00% annual percentage yield (APY) on all Savings account balances per month. You must have a T-Mobile MONEY Checking account that is in good standing and funded to open a Savings account. APYs are accurate as of 12/16/21 but may change at any time at our discretion. Fees may reduce earnings. Additional restrictions apply. For more information, see Account Disclosures / Terms and Conditions or go to our FAQs.
⁺Subject to description and timing of the employer payroll-based direct deposit, we typically make funds available the business day received, which may be up to 2 days earlier than scheduled.
**How Got Your Back works: Available only for Checking accounts and T-Mobile wireless customers with a line on a qualifying postpaid plan who have registered for perks. Got Your Back overdraft protection will begin once at least 10 qualifying purchases using your T-Mobile MONEY card have posted to your Checking account before the last business day of the month. You are only required to meet this purchase requirement once to receive Got Your Back benefits. See “Got Your Back” Terms and Conditions for more details.
– Introducing Savings accounts! T-Mobile MONEY customers earn industry-leading interest while you save for the things that matter.
– We’re proud to offer True Name™ by Mastercard so you can display the name you identify with on your debit card.
– T-Mobile MONEY customers can now link their accounts to use in Plaid enabled applications.
– Customize new account alert preferences in the app so you can choose when and how you’d like to be notified.